Card Payouts

Send funds to your recipient's debit or credit card using Payouts. Please note, card payouts are only available to Visa and Mastercard cards.

If you have any questions about creating payouts, reach out to your Finix Point of Contact or Finix Support.

Step 1: Create a Recipient Identity

The first step for making a payout is creating a RECIPIENT Identity to represent whom you'll send funds to. The Identity resource helps manage bank accounts, cards, payout history, and the details of your customers. You can create either PERSONAL or BUSINESS Recipients.

Required Data

API Request

• Personal Recipient
• Business Recipient

post
/identities

- Sandbox server
https://finix.sandbox-payments-api.com/identities

cURL

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/identities \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "entity": {
      "first_name": "John",
      "last_name": "Jeremy",
      "personal_address": {
        "city": "Springfield",
        "country": "USA",
        "line1": "789 Oak Drive",
        "line2": null,
        "postal_code": "62704",
        "region": "IL"
      }
    },
    "identity_roles": [\
      "RECIPIENT"\
    ],
    "type": "PERSONAL"
  }'

Recipient (Personal)

{
  "id": "IDdRDX7H6hNcm4HexJBeZVUV",
  "created_at": "2024-08-08T09:36:10.26Z",
  "updated_at": "2024-08-08T09:36:10.26Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "entity": {
    "ach_max_transaction_amount": 0,
    "amex_mid": null,
    "annual_card_volume": 0,
    "business_address": null,
    "business_name": null,
    "business_phone": null,
    "business_tax_id_provided": false,
    "business_type": null,
    "default_statement_descriptor": null,
    "discover_mid": null,
    "dob": null,
    "doing_business_as": null,
    "email": null,
    "first_name": "John",
    "has_accepted_credit_cards_previously": false,
    "incorporation_date": null,
    "last_name": "Jeremy",
    "max_transaction_amount": 0,
    "mcc": null,
    "ownership_type": null,
    "personal_address": {
      "line1": "789 Oak Drive",
      "line2": null,
      "city": "Springfield",
      "region": "IL",
      "postal_code": "62704",
      "country": "USA"
    },
    "phone": null,
    "principal_percentage_ownership": null,
    "short_business_name": null,
    "tax_authority": null,
    "tax_id_provided": false,
    "title": null,
    "url": null
  },
  "identity_roles": [\
    "RECIPIENT"\
  ],
  "tags": {},
  "type": "PERSONAL",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/verifications"
    },
    "merchants": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/merchants"
    },
    "settlements": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/settlements"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/transfers"
    },
    "payment_instruments": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/payment_instruments"
    },
    "associated_identities": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/associated_identities"
    },
    "disputes": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDdRDX7H6hNcm4HexJBeZVUV/disputes"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    }
  }
}

Step 2: Add a Payment Instrument for the Recipient

PCI Level 1 Compliance

Creating Payment Instruments and passing payment details (account number, card number, etc.) directly via the API should only be done for testing purposes and by PCI Level 1 compliant entities. If you aren't a Level 1 PCI-compliant entity, you must use our Tokenization Forms or Mobile Tokenization to accept payment details and comply with PCI regulations. If you have any questions, please don't hesitate to reach out to your Finix point of contact or email the Finix Support team.

Now that we've created an Identity for our recipient, we'll need to create a Payment Instrument using the recipient's card details. A Payment Instrument represents the recipient's payment method that will receive funds. When creating Payment Instruments for Payouts, attempt_bank_account_validation_check must be set to true.

If you have any questions about creating Payment Instruments, reach out to your Finix Point of Contact or Finix Support.

• Example
• API Definition

post
/payment_instruments

- Sandbox server
https://finix.sandbox-payments-api.com/payment_instruments

cURL

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_instruments \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "address": {
      "city": "San Francisco",
      "country": "USA",
      "line1": "900 Metro Center Blv",
      "postal_code": "94404",
      "region": "CA"
    },
    "expiration_month": 12,
    "expiration_year": 2029,
    "identity": "IDmj1yA97RS4rMjiQgvK3Vio",
    "name": "John Jeremy",
    "number": "5200828282828210",
    "security_code": "022",
    "type": "PAYMENT_CARD"
  }'

• Example
• API Definition

Payment Instrument - Card

{
  "id": "PI6F5kkcCB3dtGhFy1t8Aua5",
  "created_at": "2024-11-15T09:42:33.42Z",
  "updated_at": "2024-11-15T09:42:33.42Z",
  "account_updater_enabled": false,
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "created_via": "API",
  "currency": "USD",
  "disabled_code": null,
  "disabled_message": null,
  "enabled": true,
  "fingerprint": "FPRiCenDk2SoRng7WjQTr7RJY",
  "identity": "IDgWxBhfGYLLdkhxx2ddYf9K",
  "instrument_type": "PAYMENT_CARD",
  "address": {
    "line1": "900 Metro Center Blv",
    "line2": null,
    "city": "San Francisco",
    "region": "CA",
    "postal_code": "94404",
    "country": "USA"
  },
  "address_verification": "UNKNOWN",
  "bin": "520082",
  "brand": "MASTERCARD",
  "card_type": "DEBIT",
  "expiration_month": 12,
  "expiration_year": 2029,
  "issuer_country": "NON_USA",
  "last_four": "8210",
  "name": "John Jeremy",
  "network_token_enabled": false,
  "network_token_state": "NOT_ENABLED",
  "security_code_verification": "UNKNOWN",
  "tags": {},
  "third_party": null,
  "third_party_token": null,
  "type": "PAYMENT_CARD",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5"
    },
    "authorizations": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/authorizations"
    },
    "transfers": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/transfers"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/verifications"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/IDgWxBhfGYLLdkhxx2ddYf9K"
    },
    "updates": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PI6F5kkcCB3dtGhFy1t8Aua5/updates"
    }
  }
}

Step 3: Verify the Payment Instrument

After associating a payment instrument with a recipient, you must verify the card's eligibility for push-to-card by submitting the following request. The resulting Verification resource provides general attributes and specific card details, including card type and issuer information.

• Example
• API Definition

post
/payment_instruments/{payment_instrument_id_verify}/verifications

- Sandbox server
https://finix.sandbox-payments-api.com/payment_instruments/{payment_instrument_id_verify}/verifications

cURL

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58/verifications \
  -H 'Content-Type: application/json' \
  -d '{
    "processor": "DUMMY_V1"
  }'

• Example
• API Definition

Card is eligible for push-to-card

{
  "id": "VI9cSUm3SDaLKtuL92Z34rK9",
  "created_at": "2025-11-07T20:36:16.90Z",
  "updated_at": "2025-11-07T20:36:16.92Z",
  "application": "APc9vhYcPsRuTSpKD9KpMtPe",
  "identity": null,
  "merchant": null,
  "merchant_identity": null,
  "messages": [],
  "outcome_summary": null,
  "outcomes": null,
  "payment_instrument": "PIn8as75qLQFqQ7G4NdBUk58",
  "payment_instrument_verification_details": {
    "push_to_card_domestic": null,
    "push_to_card_cross_border": null,
    "card_type": null,
    "billing_currency": null,
    "issuer_country": "UNKNOWN",
    "name_verification_results": {
      "first_name_verification": "UNKNOWN",
      "last_name_verification": "UNKNOWN",
      "middle_name_verification": "UNKNOWN",
      "name_verification": "UNKNOWN"
    }
  },
  "processor": "DUMMY_V1",
  "raw": null,
  "state": "PENDING",
  "tags": {
    "card_name": "Business_Card"
  },
  "trace_id": "63eefc66-81a3-4f24-a09d-bb7650e23943",
  "type": "PAYMENT_INSTRUMENT",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI9cSUm3SDaLKtuL92Z34rK9"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
    },
    "payment_instrument": {
      "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIn8as75qLQFqQ7G4NdBUk58"
    }
  }
}

Payment Instrument Verification Result Codes

Card Type (card_type)

This code indicates whether the card is credit, debit, or prepaid.

Pull From Card Cross Border (pull_from_card_cross_border)

This field indicates whether pull-from-card functionality is supported cross-border for this instrument.

Pull From Card Domestic (pull_from_card_domestic)

This field indicates whether pull-from-card functionality is supported domestically for this instrument.

Push to Card Domestic (push_to_card_domestic)

This field is used to indicate push to card functionality is supported domestically for this instrument.

Push to Card Cross Border (push_to_card_cross_border)

This field is used to indicate push to card functionality is supported cross border for this instrument.

Raw Message Response Arguments

Address Verification Results (address_verification_results)

Card Verification 2 Results (cvv2_result_code)

Card Type (card_type_code)

This one-character code indicates whether the account is credit, debit, prepaid, deferred debit, or charge.

Fast Funds Indicator (fast_funds_indicator)

Indicates whether or not the card is Fast Funds eligible (i.e. if the funds will settle in 30 mins or less). If not eligible, typically funds will settle within 2 business days.

Push Funds Indicator (push_funds_block_indicator)

This code indicates if the associated card can receive push-to-card disbursements.

Online Gambling Block Indicator (online_gambing_block_indicator)

Indicates if the card can receive push-payments for online gambling payouts.

Card Product ID (card_product_id)

A combination of card brand, platform, class and scheme.

Product Sub-Type (card_product_subtype)

Description of product subtype.

Card Sub-Type (card_subtype_code)

The code for account funding source subtype, such as reloadable and non-reloadable.

Step 4: Verify and Onboard the Recipient Account

Now that we've associated a Payment Instrument with our recipient's Identity we're ready to provision a recipient account. This is the last step before you can begin paying out a recipient Identity. Luckily you've already done most of the heavy lifting - make one final POST request, a Merchant resource will get returned.

• Example
• API Definition

post
/identities/{identity_id}/merchants

- Sandbox server
https://finix.sandbox-payments-api.com/identities/{identity_id}/merchants

cURL

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/identities/IDhC29dXMAkbmr1aBpS91Hpx/merchants \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "processor": "DUMMY_V1",
    "tags": {
      "key_2": "value_2"
    }
  }'

• Example
• API Definition

Merchant

{
  "id": "MUeTBamsYxqr1KSnT4U2x9SP",
  "created_at": "2024-08-16T13:11:36.72Z",
  "updated_at": "2024-08-16T13:11:36.72Z",
  "application": "APgPDQrLD52TYvqazjHJJchM",
  "card_cvv_required": false,
  "card_expiration_date_required": true,
  "card_network_details": null,
  "convenience_charges_enabled": false,
  "country": "USA",
  "creating_transfer_from_report_enabled": true,
  "currencies": [\
    "USD"\
  ],
  "default_partial_authorization_enabled": false,
  "disbursements_ach_pull_enabled": false,
  "disbursements_ach_push_enabled": false,
  "disbursements_card_pull_enabled": false,
  "disbursements_card_push_enabled": false,
  "disbursements_same_day_ach_pull_enabled": false,
  "disbursements_same_day_ach_push_enabled": false,
  "fee_ready_to_settle_upon": "RECONCILIATION",
  "gateway": null,
  "gross_settlement_enabled": false,
  "identity": "ID6ZC4KedcaCwECQcWr7SM4m",
  "instant_payouts_card_push_enabled": false,
  "level_two_level_three_data_enabled": false,
  "loan_repayment": null,
  "mcc": "4900",
  "merchant_name": "Blue Horizon Technologies",
  "merchant_profile": "MP8aC84QAtA69Qhv6BJSyvHr",
  "mid": null,
  "onboarding_state": "PROVISIONING",
  "processing_enabled": false,
  "processor": "DUMMY_V1",
  "processor_details": {},
  "ready_to_settle_upon": "RECONCILIATION",
  "ready_to_settle_upon_delay_alignment": "NONE",
  "rent_surcharges_enabled": false,
  "settlement_enabled": false,
  "settlement_funding_identifier": "UNSET",
  "surcharges_enabled": false,
  "tags": {
    "key_2": "value_2"
  },
  "unreferenced_refund_manual_entry_enabled": false,
  "verification": "VI7jopNSiaVMXWKkhxt6dJm7",
  "_links": {
    "self": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP"
    },
    "identity": {
      "href": "https://finix.sandbox-payments-api.com/identities/ID6ZC4KedcaCwECQcWr7SM4m"
    },
    "verifications": {
      "href": "https://finix.sandbox-payments-api.com/merchants/MUeTBamsYxqr1KSnT4U2x9SP/verifications"
    },
    "merchant_profile": {
      "href": "https://finix.sandbox-payments-api.com/merchant_profiles/MP8aC84QAtA69Qhv6BJSyvHr"
    },
    "application": {
      "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "verification": {
      "href": "https://finix.sandbox-payments-api.com/verifications/VI7jopNSiaVMXWKkhxt6dJm7"
    }
  }
}

Step 5: Send Payout

Next you'll need to create a Transfer. A Transfer represents any flow of funds either to or from a Payment Instrument. In this case, a payout to a debit or credit card.

To create a Transfer:

• Include the ID of the Payment Instrument of the previously tokenized card as the destination.
• In amount, set the funds to send in cents. In the below example, $150.00 is getting paid out.
• Recommended to include an idempotency_id field in the payload. For more information, see Idempotent Requests.

The recipient of the card payout must be:

• an Identity whose identity_roles includes RECIPIENT

• an approved Merchant

• Example

• API Definition

post
/transfers

- Sandbox server
https://finix.sandbox-payments-api.com/transfers

cURL

curl -i -X POST \
  -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
  https://finix.sandbox-payments-api.com/transfers \
  -H 'Content-Type: application/json' \
  -H 'Finix-Version: 2022-02-01' \
  -d '{
    "amount": 15000,
    "currency": "USD",
    "destination": "PIveyqg2bVkKo6SHsstxBSDc",
    "funds_flow_type": "GENERAL_PAYOUT",
    "operation_key": "PUSH_TO_CARD"
  }'

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